The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$44,509
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,894
−HK$1,406/mo
Today · 4.125%
HK$47,300
baseline
▲ 0.50% · 4.625%
HK$50,178
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,600/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,516
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,844
−HK$1,347/mo
Today · 4.125%
HK$52,191
baseline
▲ 0.50% · 4.625%
HK$54,942
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,382/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,411
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,072
−HK$1,688/mo
Today · 4.125%
HK$56,760
baseline
▲ 0.50% · 4.625%
HK$60,214
+HK$3,454/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,520/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,419
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,013
−HK$1,617/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$65,931
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,313
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,251
−HK$1,969/mo
Today · 4.125%
HK$66,220
baseline
▲ 0.50% · 4.625%
HK$70,250
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,440/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,323
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,182
−HK$1,886/mo
Today · 4.125%
HK$73,068
baseline
▲ 0.50% · 4.625%
HK$76,919
+HK$3,851/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,136/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,117
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,609
−HK$2,532/mo
Today · 4.125%
HK$85,141
baseline
▲ 0.50% · 4.625%
HK$90,321
+HK$5,180/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,282/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,129
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,519
−HK$2,425/mo
Today · 4.125%
HK$93,944
baseline
▲ 0.50% · 4.625%
HK$98,896
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,888/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,978 · Scale 2, in force from 26 Feb 2026)